Destination Visitor to Canada Insurance

Why buy Visitors to Canada travel insurance?

While living in Canada, Government Health Insurance Plan (GHIP) may not be available to you right away or at all. We know that health care costs in Canada can be expensive if you’re not covered under a Canadian GHIP. Visitors to Canada insurance from the experts at Destination Travel Insurance helps you stay protected during a medical emergency. Be sure to carry Visitors to Canada insurance to safeguard your finances and enjoy a worry-free trip.

Ideal for:

• Super Visa holders wanting affordable coverage
• Visitors travelling to Canada on a work visa
• Foreign expatriates residing in Canada
• Returning Canadians and landed immigrants waiting for Government health insurance plan benefits

Features and benefits of Destination visitor to Canada insurance

• $25,000 to $300,000 in emergency health and medical care
• The affordable medical coverage is available.
• Emergency medical benefits
• Coverage for dental emergency
• Deductible options are available

Summary of Benefits

Emergency Hospital & Medical Maximum Coverage Amount

This Summary of Benefits is for information purposes only.

Please refer to the policy wording for full details of coverage, and limitations and exclusions.

This insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your policy as your coverage is subject to certain Limitations and Exclusions.

Benefit	Coverage / Limit
Maximum Sum Insured Options	$25,000 – $50,000 – $100,000 – $150,000 – $200,000 – $250,000 – $300,000
Emergency Hospital	Semi-private hospital accommodations
Emergency Medical	• Services of a physician, surgeon, or anesthetist • Diagnostic and laboratory tests and/or X-rays • Licensed local land and/or sea ambulance transportation to the nearest hospital • Private-duty services of a registered graduate nurse, up to $10,000 • Rental of medical appliances
Drugs or Medications	Up to $1,000 not exceeding a one-time 30-day supply per prescription
Professional Services	Physiotherapist, chiropractor, chiropodist, osteopath, or podiatrist services, when ordered by the attending physician, up to $500 per practitioner for outpatient treatment
Emergency Transportation with a Medical Escort	When pre-approved by the Assistance and Claims Administrator
Emergency Transportation with a Medical Escort	When pre-approved by the Assistance and Claims Administrator
Transportation of Family	Up to $3,000 to transport one family member or close friend, and up to $1,000 for meals and accommodation
Follow-up Visits	Up to $3,000 for follow-up visits when pre-approved by the Assistance and Claims Administrator
Accidental Dental	Up to $3,000 for emergency treatment caused by an accidental blow to the face
Dental Emergencies	Up to $500 for the immediate relief of acute dental pain
Meals and Accommodation	Up to $150 per day to a maximum of $1,500 when hospitalized
Emergency Return Home without a Medical Escort	Up to $3,000 for the additional cost of one-way economy transportation
Return of Deceased	Up to $10,000 for the return of remains, or up to $4,000 for cremation or burial at the place of death
Accidental Death & Dismemberment	Up to the maximum sum insured, not exceeding $150,000, for loss of life, limb, or sight resulting from an accidental injury
Flight Accident	Up to a maximum sum insured of $50,000
Side Trip outside Canada	Up to the maximum sum insured selected when the majority of the coverage period is spent in Canada, representing at least 51% of the trip. No coverage applies in the insured’s country of origin.

Important Exclusions

Coverage for Pre-existing Medical Conditions

Option 1: Coverage for stable pre-existing medical conditions • Age 59 and under: 90 days stable immediately before the effective date • Age 60 to 69: 120 days stable immediately before the effective date • Age 70 to 79: 180 days stable immediately before the effective date Option 2: No coverage for any pre-existing medical conditions • All ages

Waiting Period for Sickness

If the insurance is purchased: • Within 30 days of the date you depart your country of origin, there will be a 48-hour waiting period; or • 30 days or more after you depart your country of origin, there will be a 7-day waiting period. Any sickness that manifests itself during the above waiting period is not covered, even if the related expenses are incurred after the waiting period. The waiting period will be waived if you purchase the insurance: • Before the date of departure from your country of origin; or • Before your existing Destination: Canada Visitors Plan policy expires, provided there is no lapse or gap in coverage; or • Before any other existing health insurance coverage expires, provided there is no lapse or gap in coverage.

Travel insurance coverage is subject to eligibility requirements, limitations, and exclusions. For complete terms, benefits, conditions, and exclusions, please refer to the policy document.

Destination Visitors to Canada insurance

Whether you’re on an extended stay in Canada or returning from an extended trip abroad, Canadian government health care plans might not be available to you right away or at all. Hospitals can charge thousands of dollars per day if you’re not covered under a Canadian government health insurance plan.

For situations such as these, Destination Travel offers a plan to help protect you and your family from unexpected costs due to a medical emergency – and make certain you get the care you need.

Important Notes

• If you do not contact The Assistance prior to seeking medical treatment without reasonable cause, you will have to pay 20% of the eligible medical expenses we would normally pay under this insurance.

How to Contact

The Assistance and Claims Administrator can be reached 24 hours a day and 7 days a week at the numbers below:

Numbers to Call
In Canada and the USA ……………………. 1-855-286-7467
Outside of Canada and the USA ……… + 1–519-913-8034

International operator assistance may be required when calling from outside of Canada and the USA. Collect calls will be accepted.

How to claim your emergency medical expenses paid out-of-pocket.

The fastest way to claim eligible medical expenses for which you have paid out-of-pocket is to submit your receipts through the secure The Assistance and Claims Administrator portal at: www.globalexcel.com/bhspecialty
Most of our customers complete their claim forms online and submit their eligible medical expenses through the Assistance and Claims Administrator porta. Receipts can be submitted electronically in PDF or JPEG formats.
If you are unable to submit your claims through the Assistance and Claims Administrator porta, you can reach out directly to Assistance and Claims Administrator to receive the forms. Once completed, mail the completed form and any other supporting documentation to:

Berkshire Hathaway Specialty Insurance
c/o Global Excel Management Inc.
73 Queen Street
Sherbrooke, Quebec, Canada J1M 0C9

Underwritten by: National Liability & Fire Insurance Company – Canada Branch

Claims Administration and Assistance Services provided by:  The Assistance and Claims Administrator has appointed Global Excel Management Inc., operating as The Assistance and Claims Administrator as the provider of all assistance and claims services under the policy.

Managed and Distributed by:
The Destination: Travel Group Inc.
304-155 Gordon Baker Road Toronto,
Ontario, Canada M2H 3N5
Tel: 1-855-337-3532

For illustration purposes only. This is not an insurance policy. For complete terms, conditions, limitations and exclusions, please see the policy booklet. Please read and understand your policy before you travel.